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Our fees
The actual fee charged to you will depend on the nature of the advice or service we provide. We will
discuss and agree the actual fees with you before we proceed. The following section outlines the
types of fees that may apply.
The fees charged for our advice and services may be based on a combination of:
A set dollar amount; or
A percentage based fee.
Our agreed advice and service fees may include charges for:
Initial advice;
Ongoing or annual advice and services.
Please note that for services in relation to insurance and some credit products, commissions may be
paid by the product provider as follows:
Initial commission - a percentage of the value of your loan balance or insurance premiums; and
Ongoing commission - a percentage of the value of your outstanding loan amount or premiums,
usually calculated at the end of each month in which you hold the loan, or on renewal of
insurance products.
We may also receive commissions for deposit bonds. Details are in the schedule of fees.
Payment methods
We offer you the following payment options for payment of our advice fees:
BPAY, direct debit (savings), credit card or cheque; and
Deduction from your investment (subject to the advice and service provided).
All permissible fees and commissions will be paid directly to Charter as the licensee. It will then pass
on the amounts due to us through its payment system. Charter charges our practice a Licensee Fee
each year. The Licensee Fee is determined as an annual amount based on a number of factors,
including our business revenue, the number of advisers and/or accredited mortgage consultants in the
practice and a practice fee.
For more information on our services, please see our Schedule of fees attached or available on
request.
Other costs
Where other costs are incurred in the process of providing our advice and services to you, you will be
liable for these costs. However, we will agree all additional costs with you prior to incurring them.
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